Insuring your vehicle in someone else’s name, with yourself as an occasional
driver, is likely to invalidate the policy in the event of an accident. This
is commonplace with younger drivers, who try to insure vehicles in a
parent’s name. Similarly, stating the car is “for personal use only” and
then using it for business could jeopardise your insurance. It goes without
saying that insurers can refuse to pay up if your car is stolen with keys
left in the ignition, perhaps because you are warming or cooling the engine,
or paying in a garage.